ChargebackKit
VisaProcessing ErrorUpdated June 2026

Visa Reason Code 12.6.2: Paid by Other Means

The cardholder paid for the same merchandise or services using another payment method — such as cash, check, or a different card — so their Visa card was charged for a purchase already settled by other means.

Respond within ~30 days
Often winnable

Your strongest argument

Payment and order records confirm the Visa charge is for a separate, unpaid order — no other method covered the same purchase.

Evidence that wins a Visa 12.6.2 dispute

  • Proof the Visa charge corresponds to a distinct, unpaid order not covered by any other payment
  • Itemized order and payment reconciliation records showing no other payment was applied to this specific order
  • Records distinguishing this Visa transaction from any separate payment the cardholder claims they made

Ordered strongest first — lead your rebuttal with the items at the top.

Source: Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation. The Visa rulebook defines this code and its dispute framework; the issuer decides every dispute and sets the exact deadline shown in your processor dashboard.

Not sure you have enough to win?

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How processors label this dispute

ProcessorWhat you'll see
Stripereason: duplicate

Where to pull this evidence

Prove each charge was a separate, legitimate transaction. Here's exactly where the relevant records live in each processor dashboard — gather them free before you build your pack.

Stripe

Dashboard → Payments → Disputes (or the email alert from Stripe).

  • AVS & CVC check results: Open the original payment → Payment details → "Checks" (CVC, ZIP, address).
  • Customer email, IP, and device: Payment → Customer section and the "Risk insights" / Radar panel.
  • Receipt / order confirmation: Payment → "Send receipt" or your order-management system; export the PDF.
  • Refund history & reference IDs: Payment → Timeline shows any refunds with their re_… reference IDs.

Shopify Payments

Shopify admin → Orders → the flagged order → "Chargeback" banner, or Settings → Payments → Manage disputes.

  • Order & fulfillment details: Orders → the order → Fulfillment + Timeline (shows when items shipped).
  • Tracking number & carrier: Orders → Fulfillment → tracking; confirm "Delivered" status with the carrier.
  • Customer info & IP: Order → Customer section; Order → Additional details / fraud analysis for IP and AVS/CVV.
  • Fraud analysis (AVS/CVV/risk): Order → "Fraud analysis" panel shows AVS, CVV, and Shopify’s risk indicators.

Square

Square Dashboard → Disputes (or Balance → Disputes), or the email from Square.

  • Transaction & receipt: Transactions → the payment → receipt; "Resend receipt" for a copy.
  • Card-present / chip details: Transaction detail shows entry method (chip, tap, keyed) — chip reads support card-present disputes.
  • Customer details: Customer Directory → the customer; or the transaction’s customer section.
  • Itemization & amount: Transaction → itemized breakdown to rebut "incorrect amount" claims.

PayPal

PayPal → Resolution Center → the open case (Dispute, Claim, or Chargeback).

  • Transaction details & ID: Activity → the transaction → details; note the Transaction ID.
  • Proof of delivery / tracking: Resolution Center → "Respond" → add tracking number + carrier (PayPal validates delivery).
  • Proof of shipment / service: Resolution Center evidence upload: invoice, shipment receipt, or service-completion proof.
  • Buyer communication: Resolution Center message thread + your own email records with the buyer.

Build a submission-ready Visa 12.6.2 response

ChargebackKit assembles your evidence into a formatted, labeled rebuttal pack with the exhibits and response letter card networks expect — pre-mapped to Duplicate Charge disputes.

Build your evidence pack — $19

Or run the free readiness check first.

Frequently asked questions

What is Visa reason code 12.6.2?↓
Visa 12.6.2 ("Paid by Other Means") is a processing-error code filed when a cardholder claims they paid for the same purchase using a different method — such as cash, check, or another card — and was also charged on their Visa.
How do I win a Visa 12.6.2 chargeback?↓
Submit order and payment records showing the Visa charge is for a distinct, unpaid purchase and that no other payment was applied to that same order.
How is 12.6.2 different from 12.6.1?↓
12.6.1 ("Duplicate Processing") covers a single transaction charged more than once; 12.6.2 ("Paid by Other Means") covers a situation where the cardholder paid the same purchase by an entirely different payment method and then was also charged on their Visa.

Where to go next

Build the pack for Duplicate Charge disputes, or dig into the matching guide, template, and processor evidence requirements.

Build the pack for this dispute

Updated June 2026. This code’s meaning and evidence requirements are sourced from the Visa Core Rules and Visa Product and Service Rules; Visa Dispute Resolution (Visa Claims Resolution) documentation and may change as Visa revises its rules; always check your processor dashboard for the exact deadline and label on your dispute. The issuer decides every dispute — there is no guaranteed outcome.